The AMLO-core is the main module of the AMLO projects that adds some concepts to describe the Anti Money Laundering (AML) knowledge and facts. AMLO-core can be used as an upper ontology to derive taxonomies and axioms as well as a way to share information among investigators.
The amlo-core vocabulary is copyright (c) 2019-2022 by Enrico Fagnoni and Andrea Danielli in the scope of the AMLO project by Mopso and it is available under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International By 4.0. This work is compatible with the FIBO ontology Copyright (c) EDM Council, Inc. and Object Management Group, Inc. Please note that this software is Open Source but it is not free. You can use as is, or if you want to include it your commercial product, please contact Mopso, free licenses available for researchand student.
Anti Money Laundering Ontology core vocabulary (AMLO-core)
AMLO-core is a formal conceptual model that defines the main terms used in Anti Money Laundering (AML) investigations. AMLO-core is developed by a multidisciplinary group of domain experts and data scientists as part of the AMLO project by Mopso and LinkedData.Center.
AMLO-core vocabulary
define one stage in a lifetime of a subject (e.g. an annotation)
default weight vector to calculate a default risk profile. It applies only to risk annotations.
has risk profile impact
A statistical distribution on a risk dimension between 0 and 1
risk distribution
a value that estimates a risk, if it tends to infinity the risk is a certainty; Zero indicates an absence of risk. The logarithmic scale best fits a measurement of this value. It is an additive properties, two risk estimators sums. Negative values indicates an estimate that reduce of the same amount another positive risk.
risk estimator
annotation signature
an unique uri denoting an annotation content signature. Two different annotations, created by different agent may have the same signature because they have the exacly the same semantic meaning except from annotation metadata
claimed reference
defines a claims referring a URI
relates an InconsistenceCDD annotation with the data provided by customer due diligence process
customer due diligence data
derived from
in a data quality annotation defines the predicate that related the target with the referenceData
has body
the annotated subject has a money laundery risk profile
has risk profile
collega una stima quantitativa ad un rischio
has size estimator
has target
is affilated of
indicates an organization in which the officer holds some signatory power
is autorizezed signatory officer of
in a data quality annotation relates the target with the reference data
on property
The agent operates in a country
operates in country
in a data quality annotation, it specializes the hasBody property and specifies the data associated with the triple made by "target" and "onProperty" URI
reference data
transfer purpose
classifies a registered value transfer purpose with a formal taxonomy
wires account
that class of which this subject is a particular example and member; different from P279 (subclass of); for example: K2 is an instance of mountain; volcano is a subclass of mountain (and an instance of volcanic landform)
instance of
applies to account
claimed value
indicates a claim expressed with a literal
represents the declared name of the receiving actor in a transfer event
counterparty name
an estimator representing the level of criminal risk associated with a subject or entity
criminal risk
the weight or significance assigned to the criminal risk dimension in a risk assessment or rating process
criminal risk weight
evidence date
indicate a reference date for an evidence
an estimator representing the level of fiscal risk associated with a subject or entity
fiscal risk
the weight or significance assigned to the fiscal risk dimension in a risk assessment or rating process
fiscal risk weight
an estimator representing the level of geographic risk associated with a subject or entity, indicating the potential risk related to its location, geographic exposure, or presence in specific regions or countries
geographic risk
the weight or significance assigned to the geographical risk dimension in a risk assessment or rating process
geographical risk weight
the nominal heat value expressed in a unit of measurement for a specific system or component
has nominal heat
Family name of a referenced entity or individual linked to a criminal syndicate or affiliated organization
has reference family name
The weight assigned to a specific risk dimension within a risk profile or assessment
has risk dimension weight
A numerical value that quantifies a risk estimation
has risk estimator
is used to record the user's intent or motivation for the creation of an Annotation
motivated by
represent the notation of the primary classification defined for the type of the annotated object.
primary customer classification
represents the self-declared name of the sender actor in a transfer event
principal name
an estimator representing the level of reputational risk associated with a subject or entity, typically related to its public image, credibility, and trustworthiness
reputational risk
the weight or significance assigned to the reputational risk dimension in a risk assessment or rating process.
reputational risk weight
a generic property used to define common characteristics for profile dimension estimators
risk dimension estimator
a single number between 0 and 1 representing a statistical risk probability on the annotated object
risk score
size
relates to an estimanted money value expressed in euro to be used to compare monetary amounts for AML purpose.
An estimator reflecting a subjective assessment of risk, often based on qualitative factors, expert judgment, or individual perception rather than purely quantitative data
subjective risk
The level of importance assigned to the subjective risk factor during risk evaluation or assessment
subjective risk weight
date on which a value was estimated
was estimated on date
a rating score for AML risk as defined in http://w3id.org/amlo/core#ProfileRiskScale
AML qualitative rating score
account evidence
an assesment about a calulated value in an account
an annotation about a bad press existence
adverse info
aggregated operation
a registered opeation that sumarize several smaller value transfer in a period are considered together as a single transaction for purposes such as analysis, reporting, or regulatory compliance. Mainly it is used in Italy in recording of operations in the Archivio Unico Informatico (AUI)
a descriptive note or comment added to a specific entity or document to provide additional information or clarification.
annotation
a company that declared bankrupt
bankrupt Organization
an annotation about a bankruptcy risk
bankruptcy risk
an annotation about a cumulative value transfer >= 1M
big transfer
an annotation about a person that is or was part of a company bankruptcy
connected to bankruptcy
an annotation about an agent is living in a place with a geographic risk
connected to geographic risk
an annotation about an organization has a politically exposed person as an officer or as a shareholder
connected to PEP
an annotation about an organization with an officer that is a minor political exposed person
connected to PIL
The annotated organization changed board during the covid period
covid 19 change of board
The company objective was changed during Covid19 emergency period to something related to Covid
covid19 change of objective
The annotated organization changed shareholder during the covid period
covid 19 change of shareholder
A new foreign board member detected during covid period
covid 19 foreign board member
covid19 risk
The annotated organization sells covid related matherial to PA during covid period
covid 19 sells to PA
the agent web site exposes an offering of Covid related matherial
covid19 web offering
The annotated organization works with public administration during covid period
covid 19 works with PA
A young board member detected during covid period
covid 19 young board member
a family affiliated to a criminal syndicate
criminal family association
an annotation about a place with hight risk of criminal infiltration
criminal risk place
a mafia-type criminal syndicate
criminal syndicate
a claim that a customer explicitly declares during the customer due diligence process
customer claim
customer due diligence questionnaire
a signed document that collects a set of claims
an AML risk assessment performed by a financial institution for one of its customers
an annotation regarding potential problem with data integrity respect to ontology or common sense.
data quality annotation
event involving the evaluation of the quality of data
data quality assesment
a plan to evaluate the quality of data
data quality evaluation plan
a risk derived from another closely related risk
derived risk rating
a risk rating derived from another closely related risk
an annotation about an individual who personally holds or has held prominent public positions
direct politically exposed person
an annotation of risk associated directly with a node
direct risk rating
an risk rating associated directly with a target node
an annotation about the distance between location of legal representative and registered office displayed on Brain - Map
distance risk
an annotation about the termination of an agreement or activity for any reason prior to its expiration date
early ceased
an annotation about a country subjected to international embargo
embargoed country
a CorporateOfficer with power of signature
executive officer
an annotation about an executive officer that is declared in CDD but is not present in 3th party data
expired executive officer
an annotation about the person with a family name from a place annotated by DIA in Italy
family name and geo
a dataset derived from the same owner of the knowledge base, containing data obtained from Customer Due Diligence (CDD) and Know Your Customer (KYC) processes.
1st party dataset
an annotation about a company that won the same type of tender more then ten times
frequently PA tender winner
a risk annotation connected to a geographic or political place
an annotation about the potential presence of hidden partners
hidden owner
an annotation about the discovery that the rate between revenues and the number of employee is greater than a reference value that depends from the company industrial sector
high revenues per employee
an annotation about an organization that operates in a sector classified as being at risk.
in sector at risk
an annotation about a company that is currently not actively engaged in business
inactive company
an annotation about the declared revenues does not match
incoerent revenues
a detected difference between a CDD data (i.e. a data about formally known person or an organization) and an information detected by external source
Inconsistent CDD
an inconsistence in company industrial code classificiations (e.g. SIC, NACE, ATECO, etc) was detected
inconsistent industrial sector
an annotation about an individual who is closely related to a person holding or having held prominent public positions
indirect politically exposed person
an industrial sector with high risk of criminal infiltration
industrial sector crime risk
an annotation about an industrial sector risk of criminal infiltration
industrial sector risk
an institution licensed to operate as a financial entity in Italy
italian credit institution
a stage in the life of an Amlo ontology term
turnover/ staff_cost > 50
Andrea
low salaries
19 - Lsalaries
a skos:ConceptScheme that is used as the customer main classification scheme
main customer classification scheme
an annotation about the subject that has a minor political role that does not qualify as PEP
minor political role
an annotation about a country with high risk of money laundering activities.
money laundering risk country
an annotation about the agent as a negative Supreme Court's Judgments
negative judgments
an annotation about a financial statements not filed
no income statement
an annotation about a non-profit organization
no profit
an annotation about the presence of exponents under 25 or over 80 years old
officer age risk
an annotation about the origin of the an administrator in a place at risk (co-selected countries at risk: GAFI black list, gray list, countries of emigration to Italy - top 10)
officer location risk
The CDD is too old
old CDD
an annotation about a partner from a risky country (co-selected risk countries: FATF blacklist, gray list, emigration countries in Italy - top 10)
owner location risk
an identification scheme that is managed by a finacial istitution to assign a unique code each known party.
party Identification scheme
A code that uniquely identify an identifierd party. In italy it is used in the italian Archivo Unico Informatico (AUI) of a financial intermediary as NDG (Numero direzione generale)
numero direzione generale
party identifier
NDG
an annotation about a politically exposed person
politically exposed person
an annotation about an entity with a statistically assessed risk based on balance figures derived from EU authorities' indications
potential paper company
an organization owned or operated by a government or public authority
public organization
registered value transfer
a value transfer made as an individual transaction
event involving the evaluation of an AML risk
risk assessment
plan to detect a n annotated risk
risk detection plan
a vector of money laundering risk estimators. Each dimension of the risk profile is calculated analyzing a set of risk rating annotations
risk profile
a vector of weights used to calculate a risk profile and categorize a risk annotation class.
risk profile impact
an annotation that provides a subjective assessment of the level of risk associated with a particular element, based on the evaluator's judgment.
risk rating
an annotation about the presence of at least 3 wire transfers in round numbers (i.e. with 3 trailing zeros)
round figure transfer
a generic class of sanctions for agents
sanction risk
an annotation about the reading payer or payee names in order to find associations, onlus, no profit
semantic entity wire transfer
an annotation about the presence of terms like "donation", "consulting" etc. in the motivation field of the transfer
semantic scope wire transfer
an annotation about the target companies shares the same legal address
shared legal address risk
an annotation about an inconsistency with the previous ATECO data revealed by checking the first two digits of the new ATECO classification
significant change of business
(ECONOMIC ACCOUNT) profit loss < -€500,000 (i.e., a loss greater than half a million) and (BALANCE SHEET) property, plant, and equipment > €5,000,000 (i.e. the size of collateral is greater than €5 million)
significant loss and hight assets
17 - HlossHasset
sized monetary amount
a monetary amount that expose a pure number that represents the amount absolute value expreed in EURO
a risk assessment based on subjective evaluation by the risk assessor
an annotation for a company that consecutively wins the same public tender for at least two years
subsequent PA Tender Winner
a people in terrorism lists
terrorism risk
an annotation about a place with high risk of terrorism
terrorism risk country
The assignment of the sign (Debit or Credit) should be made considering the flows that are activated to or from the financial intermediary. Typically, it is assigned depending on whether the client performs the operation against current accounts or similar accounts (such as card accounts) (“operations executed on account”) or exclusively uses other means of payment and/or bearer instruments that do not transit through continuous relationships (“operations executed for cash”).
TransactionSign
an annotation for entities with discrepancies between declared 'area of activity' in the questionnaire and foreign IBANs (for counterparties)
undeclared country
an annotation about a client that does not report operation with public, but found as a winner of a public tender
unexpected work with PA
an annotation about an unknown officer with a power of attorney or representation
unknown officer
an annotation about the detection of an undeclared business ultimate owner
unknown UBO
any value transfer between some parties
value transfer
causale analitica
value transfer purpose classification
a standarized transaction classification by operation purposes. For istance see the Archivio Unico Informatico (AUI) specifications
an annotation for companies with exceptionally high turnover per employee, compared to the Bank of Italy data, focusing on the first two digits of the ATECO classification.
very high margin
an individual transaction between two bank accounts.
wire transfer
an annotation about an agent that transfers values to at least a country with a risk annotation
works with country at risk
an annotation about the subjet won a tender in EU
works with EU
an annotation about the entities engaging in public procurement activities
works with PA
an annotation for companies incorporated within the last 12 months of the relationship opening
young company
the default profile impact for BankruptcyRisk ClassBankruptcyRisk
profile impact for BankruptcyRisk
the default profile impact for ConnectedToBankruptcy ClassConnectedToBankruptcy
profile impact for ConnectedToBankruptcy
the default profile impact for ConnectedToGeographicRisk ClassConnectedToGeographicRisk
profile impact for ConnectedToGeographicRisk
the default profile impact for DirectPoliticallyExposedPerson ClassDirectPoliticallyExposedPerson
profile impact for DirectPoliticallyExposedPerson
the default profile impact for DistanceRisk ClassDistanceRisk
profile impact for DistanceRisk
the default profile impact for EarlyCeased ClassEarlyCeased
profile impact for EarlyCeased
the default profile impact for FamilyNameAndGeoRisk ClassFamilyNameAndGeoRisk
profile impact for FamilyNameAndGeoRisk
the default profile impact for GeographicRisk ClassGeographicRisk
profile impact for GeographicRisk
the default profile impact for HiddenOwner ClassHiddenOwner
profile impact for HiddenOwner
the default profile impact for InSectorAtRisk ClassInSectorAtRisk
profile impact for InSectorAtRisk
the default profile impact for InactiveCompany ClassInactiveCompany
profile impact for InactiveCompany
the default profile impact for IndirectPoliticallyExposedPerson ClassIndirectPoliticallyExposedPerson
profile impact for IndirectPoliticallyExposedPerson
the default profile impact for IndustrialSectorRisk ClassIndustrialSectorRisk
profile impact for IndustrialSectorRisk
the default profile impact for LowSalaries ClassLowSalaries
profile impact for LowSalaries
the default profile impact for NegativeJudgments ClassNegativeJudgments
profile impact for NegativeJudgments
the default profile impact for NoIncomeStatement ClassNoIncomeStatement
profile impact for NoIncomeStatement
the default profile impact for OfficerAgeRisk ClassOfficerAgeRisk
profile impact for OfficerAgeRisk
the default profile impact for OfficerLocationRisk ClassOfficerLocationRisk
profile impact for OfficerLocationRisk
the default profile impact for OwnerLocationRisk ClassOwnerLocationRisk
profile impact for OwnerLocationRisk
the default profile impact for SharedLegalAddressRisk ClassSharedLegalAddressRisk
profile impact for SharedLegalAddressRisk
the default profile impact for SignificantChangeOfBusiness ClassSignificantChangeOfBusiness
profile impact for SignificantChangeOfBusiness
the default profile impact for SignificantLossWithHighAssets ClassSignificantLossWithHighAssets
profile impact for SignificantLossWithHighAssets
the default profile impact for SubjectiveRisk ClassSubjectiveRisk
profile impact for SubjectiveRisk
the default profile impact for WorksWithPA ClassWorksWithPA
profile impact for WorksWithPA
the default profile impact for YoungCompany ClassYoungCompany
profile impact for YoungCompany
the default profile impact for worksWithCountryAtRisk ClassworksWithCountryAtRisk
profile impact for worksWithCountryAtRisk
the default five level AML risk rating from 0 (no risk) to 4 hight risk
avere
credit
a transaction category that represents an increase in resources from the point of view of the financial intermediary
dare
debit
a transaction category that represents an decrease in resources from the point of view of financial intermediary
high AML risk Rating profile
il soggetto è in fase di analisi o disegno, in questa fase il termine è inserito nella ontologia in forma non definitiva
in design
il soggetto è già utilizzato per annotare dei fattii; è lo stato di default se non specificato.
irrilevant AML risk Rating profile
low AML risk Rating profile
medium AML risk profile
The subject is planned for implementation
planned